Digital RMB scenarios are "new" in the field of provident fund areas and face -to -face

A few days ago, the country's first "currency+" provident fund special window settled in Futian District, Shenzhen, and digital RMB convenience applications added new scenes.

The reporter noticed that since July, pilot messages and progress came from Shanghai, Suzhou, Shenzhen, Guangzhou and other regions, and have made breakthroughs in the application scenarios. Essence

"Currency+" provident fund special window settled in Shenzhen

According to official news, the special window of "Currency+" provident fund is under the guidance of the central bank of the central bank, and the provident fund digital renminbi deposit scene based on the innovation of Shenzhen Housing Provident Fund Center is the first to be the first Special windows of the digital RMB provident fund deposit business set up on the outlets, digitize the traditional provident fund counter, and take into account the promotion of daily application of digital RMB.

It is reported that the special window can provide the "one -stop" service for the citizens such as flexible employees in Shenzhen, to realize the business processing link and payment link for one -time service, and the funds for the accounting service.

The reporter sorted out and found that the previous digital RMB was applied in the field of housing provident fund, and it is currently showing a deepening development trend. Specifically, in May 2021, the Housing Provident Fund Management Center in Dalian City, Liaoning Province completed the payment of the first housing provident fund unit and the personal loan repayment business through digital RMB payment. The announcement states that the center uses the digital RMB to complete the first housing provident fund withdrawal business; in May 2022, the Xiamen Housing Provident Fund Center issued the first digital RMB housing provident fund loan of 440,000 yuan, which is the national housing provident fund industry in the digital RMB housing provident fund The initiative on the loan application scenario; until July of this year, the country's first "currency+" provident fund special window settled in Shenzhen Futian and so on.

Su Xiaorui, a senior analyst of the financial industry, analyzed the reporter of the Securities Daily: "The pilot advancement of the digital RMB in the field of provident fund is showing the characteristics of 'increase and expansion' The use of digital RMB, including the continuous development of the corresponding support business and links. "

Digital RMB ecological construction is ongoing

Since the beginning of this year, more regions are expanding the pilot work of digital RMB application scenarios. According to the latest data released by the central bank, as of May 31, 2022, pilot areas of 15 provinces and cities passed the cumulative number of trading pens through digital renminbi about 264 million, with an amount of about 83 billion yuan. 45.67 million.

In July, digital RMB is constantly dynamic. Not only does it continue to issue more currency red envelopes to promote consumption, but at the same time, multiple digital RMB is promoted in the application scenarios in specific fields.

Specifically, "Today's CCB" reported on July 4 that the Construction Bank Suzhou High -tech Industrial Development Zone Sub -branch relied on the "Sea Trade Loan" model to issue digital renminbi inclusiveness for Suzhou Torcon Haike Cross -border E -commerce Technology Co., Ltd. The loan was 3 million yuan; on July 15th, the Chang Rural Commercial Bank announced that it has successfully issued the fiscal subsidy of the cooked first digital renminbi; on July 19, the People's Bank of China Guangzhou Branch reported that Guangdong achieved the tax payment for the first time in digital RMB; 7 On the 20th, Shanghai successfully issued a subsidy of the Talent Subsidies of Digital RMB enterprises for the first time.

Su Xiaorui said: "From the perspective of digital renminbi announced since July, the advancement of government -enterprise services has accelerated, indicating that digital RMB not only in the C -end field of small retail, but also in the B -end and G -end fields. With strong development potential, it can improve quality and efficiency for traditional commercial trade settlement, government and fiscal settlement. "At present, digital RMB has been piloted and expanded. The application scenarios have covered the C, B -end, G end and cross -border payment. In this category, when digital RMB ecological construction is carried out, there are signs of acceleration.

Broadcom analyzed senior analyst Wang Pengbo told the "Securities Daily" reporter that the current pilot momentum is very good. Next, it is expected that the central bank will gradually improve relevant laws and regulations and supporting facilities. And the formation of the corresponding industrial chain and "ecosystem".

(Editor in charge: Wang Qingyu)

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